此页面由英文机器翻译。利率、银行和数据与英文页面相同。
国家 / 🇯🇵 Japan
在 Japan 的最佳 time deposit 利率
来自 8 家供应商的 JPY time deposit 利率，每日直接从各银行网站读取，另有 0 家供应商待检查。按利率排序；无付费排名。
上次检查 18 Oct 2026, 05:37 UTC · 全部 8 家供应商 · ordinary deposit
最佳 3 个月利率
0.50% 年利率
Japan Post Bank (ゆうちょ銀行)
基准利率
最佳 6 个月利率
1.20% 年利率
Aozora Bank (あおぞら銀行, BANK digital branch)
基准利率 · 最低 ¥500,000
最佳 12 个月利率
1.40% 年利率
Aozora Bank (あおぞら銀行, BANK digital branch)
基准利率 · 最低 ¥500,000
针对 ¥1,000,000 存款的最佳利率，向所有客户开放。促销可能提前结束，请向银行确认。
比较 time deposit 利率
5 家银行提供 ¥1,000,000 的12个月利率
| 银行 | 年利率 | 期限 | 存款 | 详情 | 链接 |
|---|---|---|---|---|---|
| Aozora Bank (あおぞら銀行, BANK digital branch)BANK The 定期 | 1.40%≈ ¥14,000 (12 个月) | 12 个月 | ¥500,000 + | 基准利率 | 前往银行 |
| Japan Post Bank (ゆうちょ銀行)定期貯金 (Teiki Chokin) | 0.50%≈ ¥5,000 (12 个月) | 12 个月 | 未说明 | 基准利率 | 前往银行 |
| MUFG Bank (三菱UFJ銀行)スーパー定期 (Super Teiki) | 0.50%≈ ¥5,000 (12 个月) | 12 个月 | 最高 ¥2,999,999 | 基准利率 | 前往银行 |
| Mizuho Bank (みずほ銀行)スーパー定期 (Super Teiki) | 0.50%≈ ¥5,000 (12 个月) | 12 个月 | 最高 ¥2,999,999 | 基准利率 | 前往银行 |
| Sumitomo Mitsui Banking Corporation (三井住友銀行)スーパー定期 (Super Teiki) | 0.50%≈ ¥5,000 (12 个月) | 12 个月 | 最高 ¥2,999,999 | 基准利率 | 前往银行 |
"Fresh funds" 指的是从其他银行转入的资金。Board rates 是基准利率；promos 是限时优惠。 我们如何收集并核查利率.
How is this list ordered?
By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.
Plan your deposit
Best rate by term
Best rate open to any customer for ¥1,000,000 at each term, from today's verified offers. Hover a point for the bank.
利率上升时发送邮件给我
双重确认：先通过邮件确认。当您的期限和金额的最佳利率上升时发送一封邮件。点击一次即可退订。
官方基准
来源：boj.or.jp, stat-search.boj.or.jp。仅作参考，不构成推荐。
存款保障：Deposit Insurance Corporation of Japan (DICJ)
Interest-bearing ordinary deposits, time deposits and similar are protected up to ¥10 million of principal plus interest accrued to the failure date, per depositor per financial institution; non-interest-bearing settlement deposits are protected in full; foreign-currency deposits are not covered. 来源, 已检查 2026-10-18.
Questions about deposits in Japan
What is the best 12-month time deposit rate in Japan today?
1.40% p.a. at Aozora Bank (あおぞら銀行, BANK digital branch) (minimum deposit: ¥500,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.
What is the best 6-month time deposit rate in Japan today?
1.20% p.a. at Aozora Bank (あおぞら銀行, BANK digital branch) (minimum deposit: ¥500,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.
Are time deposits in Japan protected?
Interest-bearing ordinary deposits, time deposits and similar are protected up to ¥10 million of principal plus interest accrued to the failure date, per depositor per financial institution; non-interest-bearing settlement deposits are protected in full; foreign-currency deposits are not covered.
How many banks do you compare in Japan?
We list 8 providers. Rates for 8 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.
How do time deposit rates compare with the Uncollateralized overnight call rate (BOJ policy rate operating target), daily average?
The Uncollateralized overnight call rate (BOJ policy rate operating target), daily average is 1.228% (20261014). The best 12-month time deposit rate open to any customer today is 1.40%.
Deposit rates in nearby countries
🇮🇳 India🇨🇳 China🇮🇩 Indonesia🇵🇰 Pakistan🇧🇩 Bangladesh🇵🇭 Philippines🇻🇳 Vietnam🇹🇭 Thailand
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我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。